My Favorite Business Credit Cards for Earning Big Travel Rewards
- Renee Ward
- Oct 2
- 4 min read
When it comes to earning points for travel, the right business credit card can be a total game-changer. The best part? You don’t need to own a huge company to qualify—many small businesses, freelancers, and even side hustlers are eligible. And unlike personal cards, most business cards don’t count against your personal credit “5/24” limit, making them an incredibly smart move if you’re serious about maximizing points.
In this post, I’ll share the three business credit cards I use most often for earning transferable points to airlines and hotels—my everyday strategy for building flexible rewards. Then, I’ll also highlight a few co-branded airline and hotel business cards that can add extra perks and elite benefits if your business spending justifies more than two cards.
1. Capital One Spark 2X Miles
My go-to for everyday business spending.
The Capital One Spark 2X keeps things simple: 2X miles on every purchase, no complicated categories to keep track of. Those miles transfer to more than 15 airline and hotel partners, giving me flexibility whether I want to book a quick domestic flight or a dream vacation abroad.
I especially love this card for consistent, predictable rewards on expenses that don’t fall into special bonus categories. It’s one of the easiest ways to build a huge balance of transferable points just by running your business as usual.
2. Chase Ink Business Cash®
My little hidden gem (and a points powerhouse).
The Chase Ink Cash doesn’t just earn cash back—it earns Ultimate Rewards points, which can be transferred to a Chase Sapphire Preferred®, Sapphire Reserve®, or Ink Preferred® account for even more value.
Here’s why I love it:
5X points on office supply stores (up to $25,000 per year).
Those office supply stores sell a wide variety of gift cards (hello, restaurants, travel, and online retailers!). Pair that with your 5X bonus, and it’s easy to get 10 cents per dollar or more in real-world value when transferring to travel partners.
I wrote a full blog post on this “gift card hack” here: Maximizing Chase Ink Cash with Gift Cards.
3. Chase Ink Business Preferred®
The travel transfer MVP.
If the Ink Cash is where I stockpile my points, the Ink Preferred is where I turn them into dream trips. With this card, I can transfer Ultimate Rewards points to top partners like United, Hyatt, Southwest, British Airways, and more.
It also has strong bonus categories:
3X points on travel
3X points on shipping
3X points on internet, cable, and phone services
3X points on advertising purchases (social media and search engines)
This is the card that makes my Chase strategy work, turning all those 5X gift card purchases into airline miles and luxury hotel stays.
Why I Recommend Having More Than One
Each of these cards has its strengths, but together, they form a powerful toolkit:
Spark 2X for everyday spending at 2X flat.
Ink Cash for office supplies and gift cards (huge return on spend).
Ink Preferred for categories and, most importantly, transferring points to airlines and hotels.
Used strategically, they can generate hundreds of thousands of points a year—points that stretch further because they’re transferable.
If Your Business Is Big Enough for More Than Two Cards…
Once you’ve mastered the basics with everyday earners and transferable-points cards, you might want to layer in a co-branded airline or hotel card. These cards aren’t always the best for day-to-day spending, but the perks they come with can be incredibly valuable—especially if you’re loyal to a specific brand.
Here are a few of my personal favorites:
American Express Marriott Bonvoy Business® Card – A great way to build up Marriott points, with a free night award every year that can easily offset the annual fee.
Chase United MileagePlus® Business Card – Earn directly into your United account and enjoy perks like free checked bags and priority boarding, which can make travel so much smoother.
Chase World of Hyatt Business Card – Hyatt points are among the most valuable in the industry, and this card not only helps you earn them faster but also provides elite night credits to move you toward higher status.
If your business spending is large enough to justify more than two business cards, these can be a smart way to stack perks and loyalty benefits on top of your transferable points strategy.
Unlock Your Dream Travel with the Right Card Strategy
Not all points are created equal—and the right business credit card strategy can turn everyday spending into flights, hotels, and experiences you’ve been dreaming about.
Let’s work together to figure out which cards fit your business, maximize your points, and create a custom travel roadmap so you can reach your goals faster.
Book a credit card consultation today and start planning your next unforgettable trip!
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